A useful reminder tells the customer what is due and what to do next. It should not guess about a payment that is still unresolved.
Keep the logic that decides whether to send a message separate from the copy itself. These templates assume the billing system has already decided that the message is appropriate.
Before the due date
SMS
Reminder: Your [business] payment of KES [amount] is due on [date]. Pay using [link/instructions]. Ignore this message if already settled through an accepted route.
Hi [name], your [service/membership] renews on [date] for KES [amount]. You can complete payment here: [link].
Email subject
Your [business] payment is due on [date]
Due today
SMS
Your [period] payment of KES [amount] is due today. Pay here: [link].
Swahili
Malipo yako ya [huduma] ya KES [amount] yanastahili leo. Lipa hapa: [link].
Previous payment request expired
SMS
Your earlier payment request expired before completion. Your invoice is still due. Try again here: [link].
Swahili
Ombi lako la awali la malipo liliisha kabla ya kukamilika. Bado kuna malipo yanayodaiwa. Jaribu tena hapa: [link].
Payment is still being checked
SMS
We are still checking your previous payment. Please do not pay again yet. We will update you when the status is confirmed.
Swahili
Bado tunathibitisha malipo yako ya awali. Tafadhali usilipe tena kwa sasa. Tutakujulisha hali ikithibitishwa.
Payment confirmed
SMS
Payment confirmed. KES [amount] received for [period/service]. Thank you.
Swahili
Malipo yamethibitishwa. Tumepokea KES [amount] kwa [kipindi/huduma]. Asante.
Grace period ending
Hi [name], your KES [amount] payment is still outstanding. Your grace period ends on [date]. If you have already paid through another accepted method, reply with the reference so we can check it.
Email subject
Action needed before your grace period ends
Before a service consequence
Your [service] payment remains outstanding. Under your plan, [access consequence] is scheduled for [date/time] unless payment is confirmed before then. Pay here: [link].
Only send this if the merchant's actual policy supports the stated consequence.
Writing rules
- Name the business.
- State the amount and billing period where useful.
- Give one clear next action.
- Do not say a payment failed when its status is unresolved.
- Do not ask a customer to send or type a wallet PIN outside the provider-controlled flow.
- Keep SMS concise; longer or non-GSM character messages may be split into multiple SMS segments by the messaging provider.
For suppression and scheduling logic, use the separate reminder-automation guide.
